Mortgage Business Development - Birmingham, United States - Renasant

Description

Mortgage Business Development & Community Outreach Senior Mortgage Banker

Overview

The Mortgage Business Development & Community Outreach Senior Mortgage Banker will establish and maintain relationships with managers in the branch offices of Renasant Bank, realtors, and builders throughout immediate designated service area for the purposes of generating production of all one to four family residential products (conforming, conventional, FHA, and VA as well as other products as they become available). In addition, the position will work with the Mortgage Retail Division Manager to develop education processes and programs designed to increase mortgages originated to low-to-moderate income borrowers and geographies, and minority prospective clients.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Responsibilities

Direct and lead multicultural and outreach activities for the Mortgage Division
• Advance Renasant's mission and objectives relating to community development, which includes offering loans that qualify for Community Reinvestment Act credit
• Represent and establish Renasant Bank as a premier partner to multicultural organizations within Renasant Bank's footprint
• Communicate effectively with the Retail sales organization around multicultural and CRA opportunities
• Report a minimum of 2 multicultural/CRA outreach activities per week
• Act as the Community Outreach and Mortgage Originator Representative for the Retail Mortgage Division
• Work with the Mortgage Division sales team to conduct seminars and training concerning mortgage loans throughout the Division and attend business and mortgage related events and activities throughout the market
• Originate all types of 1-4 family residential loans
• Maintain written goals that are created in conjunction with the Mortgage Banking Department
• Coordinate loan production throughout assigned service area
• Maintain prescribed system status report of all loan cases in process
• Report monthly on the calls made to banks, realtors, and builders
• Counsel and communicate with the prospective borrower for the purpose of determining what loan products would be applicable
• Schedule appointments to take applications at a location (home, branch office, or work location) convenient to the customer and work with the customer in the completion of an accurate application and acquisition of supporting documentation
• Gather additional information required for the closing of the mortgage which is requested by the Mortgage Banking Department in a timely manner and maintain a status report of all loans in process
• Assist customer with closing contingencies
• Prepare accurate Loan Estimates within 72 hours from date of application on all applications taken
• Provide the realtor (if applicable) with a weekly written review on the progress of the loan
• Educate and update branch personnel throughout immediate service area on identification of conforming loan requirements and how to answer customer inquiries
• Establish rapport with the local real estate community and update regularly on programs available by calling on realtors, builders and attorneys that have an existing relationship with Renasant Bank for the solicitation of the origination of mortgage loans and to determine product needs and coordinate these needs with supervisor
• Survey local market areas regularly
• Set up priority accounts (realtors, builders, title companies, etc.) and visit their office at least once a week
• Conduct seminars for local realtors and new associates on different aspects of lending; (i.e., conventional, FHA/VA, ARM's, CRA)
• Be ACTIVE in all local affiliations relative to mortgage loan production; i.e., Board of Realtors, Home Builders Association
• Perform all duties in compliance with state and federal regulations and internal policies and procedures as is applicable to the position
• Perform other related duties as assigned

Qualifications

• High School diploma or equivalent required
• 2 years job-related experience
• Ability to work independently and the ability to meet review deadlines
• Ability to originate 1-4 family residential mortgage products
• Thorough knowledge of FHLMC/FNMA, FHA, VA and other general mortgage banking lending procedures and requirements
• Ability to deal cordially with the public
• Ability to organize time effectively
• Ability to comprehend and learn in a short period of time
• Ability to represent Renasant Bank in a professional manner projecting the image of "Customer Focused Banking"
• Good written and verbal communication skills
• Ability to travel to all locations within the Bank's footprint

Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word "May".

This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law.

This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.